Judgement mortgage arising from joint and several business debt
Hi all, I've read a few threads on here about judgement mortgages on family homes and was just wondering if anybody would have any experience in dealing with a case like my own. I was a partner in a...
View Articlepia
hi i am in a pia about two years now.i am in the process of selling my home at presnnt.i am wondering if solicitor searches will turn up the pia and put off a potential buyers.thankyou
View ArticleVacating Judgment Mortgages after Insolvency completion
Hi, My husband and I were completed our Personal Insolvency Arrangement in October 2017. Part of this arrangement included the write off of 2 judgment mortgages secured against the family home for 2...
View ArticlePost-discharge ICB Report
Hi all, It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year. I requested an Irish Credit Bureau report to check that my creditors weren't still...
View ArticleDo dividends from a limited company count as income if in an IPO but post...
If you go bankrupt and also have to enter a 3 year IPO. If after the 12 months bankruptcy can you set up a limited company and pay yourself a salary that beneath the RLE? If you pay yourself dividends...
View ArticleWhat happens if mortgage holder goes bankrupt and joint owner has disappeared?
What happens to the family home in bankruptcy its jointly owned, one person goes bankrupt in Ireland and vacates the house, the other person has emigrated abroad and cannot be contacted ?
View ArticleIncome payment order
Am i correct in understanding that if an income payment order is not made within the first year of bankruptcy, then it cannot be made afterwards ?
View ArticleGiven Credit Post Bankruptcy
Hi, Just thought I'd put this up as a separate post. Exited bankruptcy in July 2016. Earlier this year (June) we were approved for credit card and car loan by our bank. (turned down for Credit Card...
View ArticleSingle/Divorcee status
When going bankrupt i see you must fill out a form for the OA which details your personal information. There is one section I have a few questions about and would be very grateful if anyone could help...
View ArticleComing to the end of a bankruptcy period (I hope)
So folks. I am starting to think about my exiting bankruptcy in January. Just to recap. Family home value 230k in joint names, but only husband bankrupt, mortgage split with PTSB, and outstanding...
View ArticleHelp understanding ICB report
Hi, I've just got my ICB report and don't quite understand it. Helpfully when you call the ICB you get a recorded message saying to call back between 2 and 5, even though it is half past 3!! So I went...
View ArticleSuccess! I got a mortgage 4 1/2 years after being declared bankrupt
So folks after over 2 years of applying, we got mortgage approval back in July and we'll finally be getting the keys to our new home next week. For the doubters out there (@Brendan Burgess being one -...
View ArticlePay off PIA with lump sum from a relative
Im nearly three years into a Pia.There is only one creditor involved and i owe them about 40k.I have a relitive who can pay a lump sum but its not a a hugh amount approx, 25% of whats owed.Has anyone...
View ArticlePIP has delayed paying creditors - seeking advice to exit PIA process
Apologies in advance for the long post as I am trying to detail things as much as possible! I secured a PIA back in 2015. At the time, having unsecured debts of close to €90k my eight creditors agreed...
View Article"The lender is threatening to appoint a receiver to my buy to let property"
I only know the basics about this, but I will compile a Key Post. Comments and corrections welcome. Good background reading here: Fixed Charge Receiverships - Friel Stafford ... "The lender is...
View ArticleHow do I get judgements removed from my record post bankruptcy
Hi. I’m just wondering if anyone has any advice on how I would go about getting 2 judgements removed. These were made in 2011. I went into bankruptcy in may 2017 and was released last may. Any...
View ArticleICB Report Post-Bankruptcy
Just received an ICB report I ordered in the post. For my mortgage on my family home which is subject to a possession order with a stay till 01/06/17, it is marked as pending litigation and showing...
View ArticleRepo order granted whil I was abroad. I knew nothing about it.
Lost my job, and immigrated overseas in 2012. Bank has consistently refused to forward mail to my correspondence overseas address. Despite completing the relevant form prior to leaving Ireland. We...
View ArticleUpdate on dealing with family homes in a bankruptcy
Chris Lehane, the Official Assignee ("the OA"), gave a very useful talk this morning to the Association of Personal Insolvency Practitioners on the very technical issues arising on dealing with family...
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